policy no.0330388468 with the Insurance Company Bajaj Allianz Invest Assure Plan Scheme for the sum assured of Rs.3,62,500/covering the risk commencing from 29.09.2016 by paying yearly premium of Rs.20,608/-. The policy term was for a period of 22 years and the paying term was 12 years. The husband of the Opposite Party died on 25.10.2016 when the policy was in force. The present Opposite Party being the nominee claimed the assured sum amounting to Rs.3,62,500/- of her deceasedhusband who had suppressed the material facts regarding his pre-existing disease before commencement of policy. Further, the Opposite Party approached the learned Permanent Lok Adalat, Ganjam and Gajapati at Berhampur vide P.L.A. Case No. 180 of 2019, the order dated 09.11.2021 was passed by the Permanent Lok Adalat (PLA) Ganjam and Gajapati at Berhampur under Annexure-3 in favour of her.